|
novorua
Waterholic
Registered: 09/19/05
Posts: 446
Loc: Texas
Last seen: 14 years, 2 months
|
Credit Card Tips
#4792938 - 10/12/05 01:26 PM (18 years, 3 months ago) |
|
|
I am planning on getting my own credit card soon. I am pretty new to all this, so I was wondering for those of you who your own credit cards, if you have any advice or input? I don't know why but I am like paranoid about having my own card because I've heard all these negative things about credit cards mostly, haha. But the main reason I want one ofcourse its to build my credit history, since I have none.
|
HELLA_TIGHT
Madge the Smoking Vag


Registered: 08/19/03
Posts: 84,387
Loc: Afghanistan
|
Re: Credit Card Tips [Re: novorua]
#4792942 - 10/12/05 01:27 PM (18 years, 3 months ago) |
|
|
Buy all your grow equipment with it. And lots of spore prints.
And seeds.
--------------------
|
McKennaFan200
AmateurGairologist

Registered: 04/30/04
Posts: 5,395
Last seen: 10 years, 4 months
|
Re: Credit Card Tips [Re: novorua]
#4792944 - 10/12/05 01:27 PM (18 years, 3 months ago) |
|
|
DON'T USE CREDIT CARDS.
That's all you need to know.
--------------------
"It seemed to me culture is a shabby lie. Or at least this culture is a shabby lie. If you work like a dog, you get 260 channels of bad television and a German automobile. What kind of perfection is that?"-McKenna
|
The14thWarrior
The Shootist

Registered: 09/28/05
Posts: 491
Last seen: 18 years, 3 months
|
Re: Credit Card Tips [Re: novorua]
#4792981 - 10/12/05 01:33 PM (18 years, 3 months ago) |
|
|
Pay off the balance every month. Don't use it for stupid, small purchases. Everytime I See some fat-cow at McDonalds using her (no doubt, high balance) credit card, I want to ask if shes going to be getting between 3.9 and 19.9% food every month for using it. It's just a stupid idea to pay interest when you don't have to.
www.usingcreditwisely.com
--------------------
|
Adom
Totally Nude

Registered: 09/30/01
Posts: 10,877
Loc: Way Up North
|
Re: Credit Card Tips [Re: novorua]
#4792987 - 10/12/05 01:35 PM (18 years, 3 months ago) |
|
|
Make sure you aren't being raped with the interest rate.
You probably don't want a large credit line if it's your first card.
Use the damn thing responsibly, don't pay minimum payments. Don't buy crap you don't need and can't afford.
The reason credit cards have a bad name is because of stupid/careless people, if you can handle your spending habits responsibly you shouldn't have a problem.
I only use them for hotels, airline and internet purchases.
|
The14thWarrior
The Shootist

Registered: 09/28/05
Posts: 491
Last seen: 18 years, 3 months
|
Re: Credit Card Tips [Re: Adom]
#4792994 - 10/12/05 01:36 PM (18 years, 3 months ago) |
|
|
*prostitutes
--------------------
|
Adom
Totally Nude

Registered: 09/30/01
Posts: 10,877
Loc: Way Up North
|
|
I usually pistol woop hookers then hate rape them... fuck spending money on that used up shit.
|
The14thWarrior
The Shootist

Registered: 09/28/05
Posts: 491
Last seen: 18 years, 3 months
|
Re: Credit Card Tips [Re: Adom]
#4793048 - 10/12/05 01:46 PM (18 years, 3 months ago) |
|
|
good call..... can you use acredit card for bail?
--------------------
|
novorua
Waterholic
Registered: 09/19/05
Posts: 446
Loc: Texas
Last seen: 14 years, 2 months
|
|
Quote:
The14thWarrior said: good call..... can you use acredit card for bail?
what about travellers check?
|
phi1618
old hand

Registered: 02/14/04
Posts: 4,102
Last seen: 13 years, 8 months
|
Re: Credit Card Tips [Re: novorua]
#4793113 - 10/12/05 01:58 PM (18 years, 3 months ago) |
|
|
Use the card for whatever you want, just don't spend more money (less a few thousand dollars padding for when your car breaks down or whatever) than you have in the bank and pay it off every month.
|
WoodsCall
own it


Registered: 12/06/04
Posts: 1,486
Loc: eye of the beerholder
|
Re: Credit Card Tips [Re: novorua]
#4793175 - 10/12/05 02:12 PM (18 years, 3 months ago) |
|
|
Just to reiterate: Yes, mosdef pay the balance off in full every month. YOu won't have to pay ANY interest if you do that.
If you can, get one with beginning credit limit of under $500. Work your way up slowly, until you know you've a handle on your finances.
It is imperative that you are controlled with your cash before you even think about applying for a credit card, or you'll end up in debt within a few months.
Don't get a card for your favorite store. A gas station card might work if you can only use it there. I mean how much can you actually buy at a gas station?? That might be the best way to build up yur credit until you can get something like a visa or discover.
--------------------
Live free or die.
|
QuantumMeltdown
Space Monkey



Registered: 10/31/01
Posts: 4,962
Loc: Ft. Lauderdale, FL
Last seen: 5 months, 9 days
|
|
Quote:
The14thWarrior said: good call..... can you use acredit card for bail?
Yes you can use a charge card if your going through a bondsman. Thats why I like having one. If something bad happens I don't have to call mom and dad and beg and cry for them to get me out. I just call the bondsman and pay with my master pimp.
-------------------- -QuantumMeltdown Total abstinence is so excellent a thing that it cannot be carried to too great an extent. In my passion for it I even carry it so far as to totally abstain from total abstinence itself. -Mark Twain "The time has come the walrus said, little oysters hide their heads, my Twain of thought is loosely bound I guess its time to Mark this down, Be good and you will be lonesome Be lonesome and you will be free Live a lie and you will live to regret it That's what livin' is to me That's what livin' is to me" Jimmy Buffett
|
ZippoZ
Knomadic


Registered: 06/17/03
Posts: 13,227
Loc: Pongyang, North Korea
|
|
let me give you some advise, dont get one, as a man who is 8 grand in debt, well not all from credit cards dont do it. just dont
things get out of hand with those things
-------------------- PEACE
zippoz "in times of widespread chaos and confusion, it has been the duty of more advanced human beings - artists, scientists, clowns, and philosophers - to create order. In such times as ours however, when there is too much order, too much m management, too much programming and control, it becomes the duty of superior men and women and women to fling their favorite monkey wrenches into the machinery. To relieve the repression of the human spirit, they must sow doubt and disruption" "People do it every day, they talk to themselves ... they see themselves as they'd like to be, they don't have the courage you have, to just run with it."
|
QuantumMeltdown
Space Monkey



Registered: 10/31/01
Posts: 4,962
Loc: Ft. Lauderdale, FL
Last seen: 5 months, 9 days
|
Re: Credit Card Tips [Re: ZippoZ]
#4793246 - 10/12/05 02:30 PM (18 years, 3 months ago) |
|
|
Quote:
zippoz said: let me give you some advise, dont get one, as a man who is 8 grand in debt, well not all from credit cards dont do it. just dont
things get out of hand with those things
Only if you don't have any self control. Think of it as a test.
-------------------- -QuantumMeltdown Total abstinence is so excellent a thing that it cannot be carried to too great an extent. In my passion for it I even carry it so far as to totally abstain from total abstinence itself. -Mark Twain "The time has come the walrus said, little oysters hide their heads, my Twain of thought is loosely bound I guess its time to Mark this down, Be good and you will be lonesome Be lonesome and you will be free Live a lie and you will live to regret it That's what livin' is to me That's what livin' is to me" Jimmy Buffett
|
HELLA_TIGHT
Madge the Smoking Vag


Registered: 08/19/03
Posts: 84,387
Loc: Afghanistan
|
Re: Credit Card Tips [Re: ZippoZ]
#4793265 - 10/12/05 02:34 PM (18 years, 3 months ago) |
|
|
Glass blowing doesn't pay off, does it?
--------------------
|
novorua
Waterholic
Registered: 09/19/05
Posts: 446
Loc: Texas
Last seen: 14 years, 2 months
|
|
Hmm..thanks for the tips.
To build ones credit, it does not matter how often you use the card right? I mean let's say I only use the card once a month(just as example) and if i can pay that off every month my credit history will be good. or if i spend more and pay all of it off is my credit history excellent or still as good? does this make sense?? lol
|
Le_Canard
The Duk Abides

Registered: 05/16/03
Posts: 94,392
Loc: Earthfarm 1
|
Re: Credit Card Tips [Re: novorua]
#4793329 - 10/12/05 02:47 PM (18 years, 3 months ago) |
|
|
As long as you keep the payments up to date, you should be fine. But there's the rub. As Zippoz said, it's all too easy to let things get out of control. Take care with those things!
|
rod
Ψ


Registered: 06/29/05
Posts: 3,727
|
Re: Credit Card Tips [Re: novorua]
#4793331 - 10/12/05 02:47 PM (18 years, 3 months ago) |
|
|
also, do some looking ,and comparing, before you fill out anything. To many inquiries, will hurt your chance of a good rate card. Have you got your free credit report this year. Your entitled to a free one once a year, but dont get suckered by one of those sound alike( for charge ) sites.
|
Cowgold
Bullshit


Registered: 04/04/05
Posts: 12,486
Loc: .
|
|
Money control is different from self control.
don't go on a shopping spree or rely on it in anyway. Emergency only for bills or gas.
fuck it whatever...
debt sucks... don't get sucked in.
|
AliceDee
-L S D-

Registered: 08/10/03
Posts: 3,957
|
Re: Credit Card Tips [Re: Cowgold]
#4793340 - 10/12/05 02:50 PM (18 years, 3 months ago) |
|
|
i only use it for small amounts (its not stupid unless you do it all the time, to whoever said it was stupid) so i can easily pay it off at the end of the month...
|
|